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Get more time to repay
 Many borrowers take out their original private student loans on a standard 10- or 15-year repayment term. Consolidating those private student loans gives you up to 30 years to repay and could cut your monthly payments by as much as 45 percent.* Keep more money each month
 When you’re able to extend your repayment term and lower your monthly student loan payments by consolidating through H.E.L.P., you can use the extra money you have each month to build up savings or pay off high-interest debt like credit cards, which could save you hundreds on interest charges.
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Student Loan Consolidation Comparison
H.E.L.P. offers some of the best customer service in the industry. Do your research and see for yourself. Here are some other student loan consolidation resources to explore.
Student Loan Consolidation Companies
- Direct Consolidation Loans
Borrowers can apply online for consolidation of their federally insured student loan debt.
- NextStudent Loan Consolidation
NextStudent is one of the largest student loan consolidation companies in the industry. Compare them to H.E.L.P.
- Ed Loan Funding
Ed Loan Funding prides itself on providing industry-leading service to students and parents for their private and federal student loan consolidation needs.
- Simple Tuition
Compare student loans, including student consolidation loans, college loans, and refinancing. Find the best rates and apply online.
- Student Lending Works
A nonprofit lender offering Federal Stafford Loans, Grad PLUS Loans, Parent PLUS Loans, and Student Consolidation Loans .
Additional Student Loan Consolidation Information and Resources:
- FinAid
FFinAid answers common questions about student loan consolidation.
- Scholarships-AR-US
Compare lender benefits and save on your monthly payments.
- Student Market
The Federal Consolidation Loan is a fixed rate. Click here if you need assistance in finding general student loan information.
- How To Consolidate Debt
* In the first year of repayment. Your actual payment reduction may vary and will depend on your qualifying interest rate, repayment plan, and the terms of your loans. Although a Private Consolidation Loan may allow you to reduce your monthly payments by extending your repayment term and/or allowing you to initially make interest-only payments, the total cost of your loan may be higher due to (1) the interest accruing over a longer period of time and/or (2) interest accruing on a principal balance that isn’t initially being paid down. You may choose to pay more than the interest-only payment amount and/or repay your Private Consolidation Loan in less than 30 years with no prepayment penalties.
† Co-signer not required provided the applicant meets minimal credit requirements.
‡ Interest-only payment option is available for the first two years (24 months) of repayment. |
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